You worked hard and saved diligently to purchase the RV of your dreams. It would be a tragedy if a natural disaster or car accident destroyed your investment. You should not rely on your home insurance to cover your RV in Arvada, CO. Instead, you should consider purchasing an indemnity plan for campers from Alliance Insurance Services. Read on to learn three essentials about RV insurance!
1. RV insurance is not required yet necessary
Some RV owners make the mistake of believing that insuring their camper is an option. The problem with such ideology comes in the fact of home insurance only covering a limited number of incidents regarding your camper. Your RV may be covered if damaged on your property per your home insurance plan. You, however, are on your own if you drive the vessel and get into a car accident down the road.
Some Arvada, CO RV owners learn the hard way that home insurance does not equal full coverage for their RVs. You should avoid the devastation that comes with learning that you do not have enough assurance when it is too late by contacting an agent from Alliance Insurance Services.
2. RV assurance works like auto insurance
Just as your auto indemnity plan has a deductible along with policy limits, so also does your RV assurance policy. The amount of damage covered under your plan heavily depends on the amount that you are willing to pay in monthly premiums. Those willing to pay more every month may find themselves walking away from an incident with no out-of-pocket costs to them. Meanwhile, those who pay less upfront may find themselves with a bigger bill down the road.
3. How much coverage you need depends on a number of things
Not every RV owner is the same. Thus, it is important that you contact your local agent to find the policy that best fits your lifestyle and overall needs. Contact us today to get started with a quote to insure your RV!